2004 Minnesota Statutes

     65A.30 Day care services; coverage. 

    Subdivision 1.    No coverage.  There shall be no 
 coverage under a day care provider's homeowner's insurance for 
 losses or damages arising out of the operation of day care 
 services unless: 

    (1) specifically covered in a policy; or 

    (2) covered by a rider for business coverage attached to a 
 policy. 

    For purposes of this section, "day care" means "family day 
 care" and "group family day care" as defined in Minnesota Rules, 
 part 9502.0315.  "Day care" does not include care provided by an 
 individual who is related, as defined in Minnesota Rules, part 
 9502.0315, to the person being cared for or care provided by an 
 unrelated individual to persons from a single family of persons 
 related to each other. 

    Subd. 2.    Prohibited underwriting practices.  No 
 insurer shall refuse to renew, or decline to offer or write, 
 homeowner's insurance coverage solely because the property to be 
 covered houses day care services for five or fewer children.  

    HIST: 1996 c 326 s 2; 2004 c 239 s 1